State overview · Q4 2025

Indiana Credit Unions

All 124 federally-insured credit unions in Indiana, ranked by financial health, from NCUA 5300 Call Reports.

124
Credit unions
2.8M
Members
$48.4B
Combined assets
81/100
Avg health
124 CUs · avg health 81/100

Indiana has 124 federally insured credit unions averaging 81/100 health on NCUA 5300 Call Report aggregates. Combined assets $48.4B; 77 score Excellent (80+). State leader: Gesb Sheet Metal Workers at 100/100.

  • Mean delinquency rank #33 of 52 (lower DQ better)
  • Mean ROA rank #30 of 52
  • Data vintage 2026-09-06

Indiana vs all states by credit-union count

Where this state's federally insured CU count sits among every state and D.C. on PlainCU

124 12th of 54 higher than 42 of 54 states

States and D.C., banded by federally insured credit-union count

Each bar is a band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.

Source NCUA 5300 Call Report aggregates · Q4 2025

Health-score distribution

How Indiana's 124 credit unions split across the four health bands. Source: NCUA 5300 Call Report, Q4 2025.

Excellent (80–100)77 CUsGood (60–79)39 CUsFair (40–59)8 CUsWeak (<40)0 CUs

Indiana Call Report component averages

Mean NCUA 5300 ratios across 124 federally insured credit unions in Indiana, plus national ordinals among 52 jurisdictions with ≥5 scored charters. Registry figures only, not advice on where to bank.

Mean delinquency
1.31%
National rank #33 of 52 · lower DQ better
Mean ROA
0.55%
National rank #30 of 52
Mean loan-to-share
69.9%
Mean net worth 14.7% · well-capitalized (≥7%) 100.0%
Largest CU share of state assets
11.7%
Dispersed book, largest charter holds under 25% of combined Indiana CU assets · concentration rank #6 of 52 (lower share = more dispersed) · largest by assets on this board: EVERWISE

A national sample of U.S. jurisdictions' credit-union sectors, positioned by mean net worth ratio (capital cushion) against mean delinquency rate (asset quality). Indiana is highlighted. The crosshair splits states at the MEDIAN net worth ratio (14.0%) and the median delinquency rate (1.20%) computed across all 52 scored jurisdictions, not just the 30 plotted here, and not a simple midpoint of the range.

Indiana vs. a national sample of states' credit-union sectors

Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Indiana highlighted. 2×2 strategic matrix plotting 30 entities by Net worth ratio (X) and Delinquency rate (Y), with a crosshair dividing the plot into four quadrants. Capitalized but RiskyWeakest PositionStrongest PositionLean but Clean 10%12%14%16%18% 0%0.5%1%1.5%2%2.5% Net worth ratio Delinquency rate Indiana vs. a national sample of states' credit-union sectors AL - 16.25%, 1.743%AK - 11.69%, 0.876%AR - 16.34%, 1.809%CO - 11.98%, 1.045%DE - 15.7%, 1.799%DC - 14.99%, 2.364%GA - 15.97%, 1.181%ID - 11.55%, 0.89%IA - 15.09%, 1.429%KS - 14.31%, 1.456%LA - 17.25%, 1.888%MD - 13.25%, 1.269%MI - 12.62%, 0.909%MN - 13.98%, 0.886%MO - 11.87%, 1.299%NE - 13.77%, 1.06%NH - 11.15%, 0.746%NJ - 16.56%, 1.74%NY - 14.23%, 1.635%ND - 15.1%, 0.95%OK - 13.44%, 1.238%OR - 13.17%, 1.122%RI - 12.53%, 0.533%SD - 12.58%, 0.791%TX - 15.62%, 1.279%VI - 15.23%, 1.532%VT - 11.83%, 1.399%WA - 12.92%, 0.882%WI - 13.48%, 1.468%IN - 14.73%, 1.306%
Mean net worth ratio and mean delinquency rate for federally insured credit unions, a sample of 30 of 52 scored U.S. jurisdictions, Indiana highlighted.

All Credit Unions in Indiana

Credit Union Health
Gesb Sheet Metal Workers PORTAGE 100
LAKES Monticello 100
Primetrust Financial MUNCIE 98
PURDUE WEST LAFAYETTE 98
Indiana State University Terre Haute 97
BEACON Wabash 96
DUBOIS-PIKE JASPER 95
Fo Me Bo Co Wabash 95
Western Indiana Credit Union Sullivan 95
BAR-CONS Columbus 93
GENERATIONS LA PORTE 93
HERITAGE Newburgh 93
Indiana University BLOOMINGTON 93
Jackson County Co-Op SEYMOUR 93
Indiana Members INDIANAPOLIS 92
Jefferson Community Madison 92
PROFED Fort Wayne 92
REGIONAL Winfield 92
THRIVE MUNCIE 92
Via Credit Union Marion 92
Crossroads Financial Portland 91
Elements Financial INDIANAPOLIS 91
Fire Police City County FORT WAYNE 91
FORUM INDIANAPOLIS 91
Weatherhead C C Columbia City 91
Energy Plus Indianapolis 90
INDUSTRIAL Lafayette 90
LIBERTY Evansville 90
Midwest America Fort Wayne 90
NATCO RICHMOND 90
Northern Indiana Merrillville 90
Notre Dame Notre Dame 90
Three Rivers FORT WAYNE 90
Central Soya Decatur 89
Eastern Indiana NEW CASTLE 89
Fort Financial Fort Wayne 89
FORTRESS Marion 89
La Porte Community La Porte 89
Madison County Anderson 89
Sterling United EVANSVILLE 89
A H E Plant 3 WINCHESTER 88
Community Link HUNTINGTON 88
Health Care Professionals Richmond 88
Professional Police Officers Indianapolis 88
U S #1364 MERRILLVILLE 88
Wayne County Richmond 88
EVERWISE South Bend 87
Hobart Ind School Employees HOBART 87
Mt Zion Indianapolis Indianapolis 87
Public Service Edwardspt Pl E Linton 87
Riverside Community Marion 87
CRANE ODON 86
INTERRA Goshen 86
Solidarity Community Kokomo 86
Advantageplus of Indiana Terre Haute 85
Clifty Creek Employees Madison 85
Diamond Valley Evansville 85
FIREFIGHTERS Indianapolis 85
First Trust Michigan City 85
Hoosier Hills Bedford 85
CENTRA COLUMBUS 84
LAMPCO ANDERSON 84
Business and Industrial Columbus 83
CHIPHONE ELKHART 83
Indiana Heartland KOKOMO 83
POLICEMEN'S South Bend 83
Diversified General Logansport 82
Whiting Refinery Whiting 82
AFENA Marion 81
City of Firsts Community Kokomo 81
Financial Partners Woodburn 81
Hammond Firefighters Assn. Hammond 81
Martin County Cooperative loogootee 81
TIPPECANOE lafayette 81
Tlcu Financial MISHAWAKA 81
EVANSVILLE Evansville 80
Family Horizons Indianapolis 80
Indiana Lakes Warsaw 78
Midwest Family PORTAGE 78
Partners 1st Fort Wayne 78
Public Service #3 Fort Wayne 78
South Bend Firefighters SOUTH BEND 78
T H P Terre Haute 78
Vigo County Terre Haute 78
Vulcraft Employees ST JOE 78
Evansville Firefighters EVANSVILLE 77
Hoosier United Indianapolis 77
Financial Builders Kokomo 76
First County MUNCIE 76
Grand Heritage LAPORTE 76
Kemba Indianapolis Indianapolis 76
Del Met MUNCIE 75
One Vision Clarksville 74
PROFINANCE Merrillville 74
Financial Center First Indianapolis 73
HOMETOWN Peru 73
Harvester Financial Indianapolis 72
Haynes Community Kokomo 72
Members Source Merrillville 72
TECH Crown Point 72
INOVA Elkhart 70
ALLEGIUS Burns Harbor 69
Members Advantage MICHIGAN CITY 69
H a L E Indianapolis 67
COMMUNITYWIDE South Bend 66
Perfect Circle Hagerstown 66
FINANS Hammond 65
Great Horizons Munster 65
Richmond Light Employees Richmond 65
Concora Wabash WABASH 64
Local 697 MERRILLVILLE 64
Advance Financial Schererville 63
ENCOMPASS Tipton 61
Power One Fort Wayne 61
Battery Employees Attica 60
INDEPENDENT Anderson 60
Community Spirit Credit Union Lawrenceburg 59
Howard County School Em Kokomo 59
Urban Beginnings Choice Fort Wayne 59
Financial Health Indianapolis 58
Gary Municipal Employees Gary 56
South Bend Transit South Bend 53
Gary Firefighters Association Gary 49
Gary Police Department Employees GARY 45

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

What This Data Says About Credit Unions in Indiana

Indiana is home to 124 federally-insured credit unions collectively serving 2.8M members with $48.4B in combined assets, based on the most recent NCUA 5300 Call Report (Q4 2025). The state's average health score of 81/100 reflects the blended performance of every charter operating within its borders, state-chartered, federally-chartered, community, employer-based, and multi-SEG credit unions alike. Gesb Sheet Metal Workers of PORTAGE currently leads the cohort with a health score of 100/100, while the full distribution spans 124 institutions ranked below.

The health distribution breaks into four bands: 77 credit unions score 80–100 (Excellent), 39 score 60–79 (Good), 8 score 40–59 (Fair), and 0 fall below 40 (Weak). These scores are a weighted composite of five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), year-over-year member growth (15%), and loan-to-share ratio (15%). A score in the Excellent band typically indicates a net worth ratio comfortably above the 7.0% NCUA "well capitalized" floor, sub-1% delinquency, positive ROA, and a loan-to-share ratio inside the 60–80% balanced-liquidity window. Fair and Weak institutions are not necessarily in distress, NCUA supervises all federally-insured credit unions through CAMEL ratings and Prompt Corrective Action triggers, but the composite signals where financial buffers are thinner than peers.

Every credit union on this page carries NCUSIF deposit insurance up to $250,000 per depositor per ownership category, administered by the National Credit Union Administration, identical coverage to FDIC insurance at banks. Membership eligibility varies by charter: community charters serve anyone living, working, worshiping, or attending school in a defined geography, while employer-based and associational charters require a specific common bond. Rates, fees, and product offerings also vary widely across Indiana's 124 institutions, so prospective members should verify current terms directly with each credit union before opening accounts or applying for loans. This page is informational only, reflects quarterly reported NCUA data (not real-time financials), and is not financial advice or a solicitation to join any specific institution.

Nationwide states with similar credit-union assets or inventory

Two NCUA Call Report peer sets for Indiana: nearest jurisdictions by combined federally-insured credit-union assets and by credit-union count. These are cross-state neighborhoods, not the in-state CU list above.

Similar combined assets

Nearest states by total credit-union assets ($48.4B here).

Tennessee $47.3B Ohio $49.7B Colorado $45.4B Minnesota $43.5B

Similar credit-union inventory

Nearest states by federally-insured credit-union count (124 here).

Massachusetts 126 CUs New Jersey 127 CUs Louisiana 138 CUs Florida 109 CUs

Frequently Asked Questions

How many credit unions are in Indiana?

There are 124 federally-insured credit unions in Indiana as of Q4 2025, with a combined 2.8M members and $48.4B in total assets. That places Indiana at #15 of 54 among U.S. jurisdictions by combined credit-union assets. On average health score, Indiana ranks #34 of 54. All data is sourced from the NCUA 5300 Call Report.

What is the healthiest credit union in Indiana?

Based on NCUA Q4 2025 data, Gesb Sheet Metal Workers in PORTAGE ranks highest in Indiana with a health score of 100/100. Health scores combine net worth ratio, delinquency rate, return on assets, member growth, and loan-to-share ratio.

Are credit unions safer than banks?

Credit unions are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per account, the same insurance limit as FDIC-insured banks. Credit unions are member-owned nonprofits, which means profits are returned to members as lower fees and better rates rather than to shareholders. Both institution types offer equivalent deposit protection.

Using Indiana's data

  • Gesb Sheet Metal Workers in PORTAGE is the healthiest scored credit union in Indiana at 100/100 -- look up its full composite before assuming it fits your situation. View full profile
  • Indiana's credit unions rank #33 of 52 nationally on delinquency rate (mid-pack) and #30 of 52 on return on assets (mid-pack) -- both factor into the health score above, but they can move independently. National health rankings
  • Indiana ranks #34 of 54 by average health score and #15 of 54 by combined credit-union assets among U.S. states -- see how other states compare before assuming this one is typical. State overviews

Figures are composite scores and averages built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.

Read our methodology - how this data is sourced, computed, and verified.